Still, if you don't want to wait until the banks open (e.g., it's 2 a.m., you've found the perfect home online, and you need to know right now if you can buy it), there are ways to do the mortgage math yourself. (realtor.com)
Beyond the mortgage math, you should also evaluate a prospective lender's reputation for customer service. (usaa.com)
It also requires developing knowledge of mortgage terms, mortgage math and expertise on servicing systems. (mcap.com)